Ozzie
Ozzie is a New York-based fintech that builds a behavioral money automation app for individuals ($5.99/month) and employers ($3/employee/month), using an LLM-powered moneybot and a proprietary Money Personality Type model to deliver personalized financial guidance.
- Company typePrivate
- Founded2025
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Ozzie does
Ozzie Technologies, Inc. is a US-incorporated, privately held fintech company headquartered at 1178 Broadway in New York that builds a Behavioral Money Automation platform for individuals and employers. The core product is a financial assistant app that pairs a proprietary Money Personality Type assessment (developed from behavioral research across 8,000+ people in the US, UK, and Mexico) with an LLM-powered 'Ozzie Moneybot' that delivers personality-typed guidance, automated money moves on pay weeks, and short '5-Minute Money Moves' between paychecks. The product is positioned as behaviorally intelligent financial coaching rather than a budgeting app, and integrates with bank accounts through Plaid for real-time financial data.
The company operates a two-segment business model. Individuals subscribe at $5.99/month with a 2-week free trial, distributed via mobile app stores and a self-serve web app, following a product-led growth motion. Employers buy Ozzie for Employers at $3/employee/month on a pilot-friendly basis without requiring payroll or benefits integration, distributed via a direct sales motion with Calendly demo booking, co-branded launch campaigns, and monthly engagement reports. Tailored (a Media/Publishing startup) is the only named B2B design-partner customer. The company also maintains a portfolio of minor technology integrations (Loopform, Rivina Money, Tallywave, QuantaSync, Paydar, Staffway, Vouchbase, Alignio, Kira) and marketing/analytics tools (HubSpot, Google Analytics, Meta).
Operationally, Ozzie is at an early stage: 1-10 employees, no disclosed funding or revenue, and a single publicly identified employer customer. The company released a major platform rebuild, Ozzie 3.0, in January 2026, and is led by Founder & CEO Paula Machado Jackler. Trademarks are registered for '5-Minute Money Moves' and 'moneybot', and the business is governed by New York state law.
Ozzie firmographics
Firmographics- Name
- Ozzie
- Legal name
- Ozzie Technologies, Inc.
- Website
- https://ozzieapp.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Ozzie is a New York-based fintech that builds a behavioral money automation app for individuals ($5.99/month) and employers ($3/employee/month), using an LLM-powered moneybot and a proprietary Money Personality Type model to deliver personalized financial guidance.
- Ownership category
- akta.pro rank
Ozzie industry classification
Industry- Product category
- Consumer Financial Wellness Software
- NAICS
- Human Resources Consulting Services (541612)
- SIC
- Services-Management Services (8741)
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
- akta.pro secondary industry
- Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI)
Keywords
Where Ozzie is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Ozzie business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Individual Subscription: Monthly subscription at $5.99/month with 2-week free trial. Users receive Money Personality Type assessment, personalized guidance, automated Money Moves on pay weeks, 5-Minute Money Moves between paychecks, 24/7 access to Ozzie moneybot, points and rewards system, and progress tracking.
- Employer Subscription: Per-employee-per-month pricing at $3/employee/month with pilot-friendly pricing. Includes access to all Ozzie features, co-branded internal launch campaign, comms toolkit, customizable rewards program, monthly engagement reports, optional family member access, easy rollout without payroll integration, and priority support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual Plan - Personal money support with behavioral financial guidance |
| Subscription | Monthly | Employer Plan - Financial wellness benefit for employees |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Ozzie product offering
Product offeringCore offering
Ozzie is a Behavioral Money Automation platform that delivers a financial assistant app and web experience using a proprietary Money Personality Type model and an LLM-powered moneybot to automate money moves on pay weeks, deliver short interactive 5-Minute Money Moves between paychecks, and provide personalized conversational guidance grounded in behavioral science. It is sold both as an individual consumer subscription ($5.99/month with a 2-week free trial) and as an employer-offered employee financial wellness benefit ($3/employee/month with pilot-friendly pricing and no payroll or benefits integration required).
Product overview
Ozzie is a Behavioral Money Automation platform that combines a core financial assistant app with LLM-powered conversational guidance. The platform consists of the Ozzie app (core platform), the Money Personality Quiz (foundational assessment), and the Ozzie Moneybot (LLM-powered conversational assistant). For individuals, Ozzie offers a subscription ($5.99/month) providing personalized money guidance, automated Money Moves, and 5-Minute Money Moves. For employers, Ozzie for Employers ($3/employee/month) provides an EAP-style financial wellness benefit with all individual features plus administrative tools, engagement reporting, and co-branded campaigns. The platform is not a budgeting app; instead it protects goals in the background while users spend freely, using behavioral psychology and automation to drive follow-through.
Differentiator
Problem solved
Functional benefit
Products and services
- Ozzie (Core Platform) A financial assistant app that uses behavioral science and psychology-driven automation to help individuals manage money, creating personalized money plans in under 2 minutes without traditional budgeting; includes automated Money Moves on pay weeks, 5-Minute Money Moves between paychecks, an adaptive weekly plan system, and 24/7 access to the LLM-powered Ozzie Moneybot.
- Money Personality Quiz A free standalone assessment that maps how people think, feel, and behave around money under stress, uncertainty, and real-life pressure, identifying the user's Money Personality Type to power personalized guidance and adaptive money plans.
- Ozzie for Employers An employee financial wellness benefit sold at $3/employee/month to companies seeking to reduce productivity loss tied to employee financial stress; includes all individual Ozzie features plus a co-branded internal launch campaign, ready-to-use comms toolkit, customizable rewards program, monthly engagement and usage reports, optional family member access, priority support, and an easy rollout without payroll or benefits integration required.
Quantifiable outcome
- 4.97/5 rating from 500+ reviews indicates high customer satisfaction
- +4 more outcomes
Companies that use Ozzie
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Ozzie technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature6 records
Ozzie partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PlaidcoreOpen Banking partner providing real-time access to financial information through bank and financial institution connections. Ozzie uses Plaid's API to access users' bank accounts and financial data to power the money personality assessment and automated money moves features. Users must accept and agree to Plaid's terms of use to use key features of the service.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Ozzie competitors and assessment
Company assessmentDirect peers
- Payactiv: Payactiv offers earned wage access and financial wellness benefits to employees through employer channels, sharing Ozzie's employer-led distribution and paycheck-aligned money management thesis.
- Dave: Dave is a banking and personal finance app focused on helping income-constrained users avoid overdrafts, build savings, and access earned wages — overlapping with Ozzie's behavioral money automation for paycheck-driven users.
- LearnLux: LearnLux is a financial-wellness benefit platform sold to employers, directly comparable to Ozzie for Employers at the $3/employee/month price point and B2B HR distribution model.
- Ellevest: Ellevest is a PFM and investment platform targeting personalized money guidance, sharing Ozzie's focus on behavioral, persona-driven financial recommendations rather than generic budgeting.
- Cleo: Cleo is a direct competitor in AI-driven personal finance assistance, offering an LLM-powered chatbot that helps users budget, save, and manage money — closely aligned with Ozzie's Moneybot and Money Personality positioning.
- Digit: Digit pioneered automated savings and money-management for consumers, a closely related category to Ozzie's automated Money Moves on pay weeks.
- Even: Even provides earned wage access and financial wellness tools to employees via employer partnerships, comparable to Ozzie's B2B employee-financial-wellness positioning.
- Albert: Albert is a consumer fintech app combining automated savings, budgeting, and financial guidance with a human-plus-AI support model, directly comparable to Ozzie's automated money-move approach.
- Brightside (BrightPlan): Brightside/BrightPlan sells financial wellness as an employer benefit, offering guided plans, coaching, and budgeting tools — a direct competitor in Ozzie's employer GTM motion.
Emerging players
- Monarch Money: Monarch Money is an AI-enabled personal finance platform with budgeting and cash-flow planning, competing in the modern PFM category where Ozzie also plays, though Monarch focuses more on aggregation and planning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Ozzie social profiles
Digital presenceOzzie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ozzie leadership team
Management profileNumber of profiles
Profiles1 record
Ozzie funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ozzie M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ozzie
What does Ozzie do?
Ozzie is a Behavioral Money Automation platform that delivers a financial assistant app and web experience using a proprietary Money Personality Type model and an LLM-powered moneybot to automate money moves on pay weeks, deliver short interactive 5-Minute Money Moves between paychecks, and provide personalized conversational guidance grounded in behavioral science. It is sold both as an individual consumer subscription ($5.99/month with a 2-week free trial) and as an employer-offered employee financial wellness benefit ($3/employee/month with pilot-friendly pricing and no payroll or benefits integration required).
Is Ozzie a public or private company?
Ozzie is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Ozzie founded?
Ozzie was founded in 2025. It employs 1 to 10 people.
Where is Ozzie based?
Ozzie is headquartered in New York, United States, in the North America region.
How does Ozzie make money?
Two revenue lines are on record. Individual Subscription is the primary driver. The others are employer Subscription.
Who are Ozzie's main competitors?
Direct peers on record are Payactiv, Dave, LearnLux, Ellevest, Cleo, Digit, Even, Albert and Brightside (BrightPlan). Monarch Money is listed as an emerging player.
Does Ozzie have an API?
No public API is recorded for Ozzie.
What industry is Ozzie in?
Ozzie's product category is Consumer Financial Wellness Software. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management, with a secondary code of FSAGALAI, Embedded Payroll, Earned Wage Access & Benefits Finance. Its NAICS code is 541612 and its SIC code is 8741.